The bill seeks to amend existing laws to expand health insurance coverage for infertility treatments and to regulate the use of genetic testing information by health insurers. It requires health insurance plans to cover medically necessary expenses for the diagnosis and treatment of infertility in women aged 25 to 42, including preimplantation genetic diagnosis (PGD) with in vitro fertilization (IVF), and fertility-preservation services when medical treatment may cause iatrogenic infertility. The bill defines relevant terms such as infertility, standard services, iatrogenic infertility, and PGD. It also sets a lifetime coverage cap of $100,000 and allows for a subscriber co-payment not exceeding 20% for infertility treatments.

In terms of genetic testing, the bill prohibits the release of genetic information without the individual's prior written authorization and prevents health insurers from using genetic test results to discriminate against individuals in policy issuance, renewal, rates, terms, or conditions. It defines genetic testing as the analysis of DNA, RNA, chromosomes, proteins, and certain metabolites for clinical purposes, excluding routine physical measurements and tests for drugs or HIV. The bill also includes protections for individuals' identities in the release of genetic test results and requires authorization for each redisclosure, with an exception for research governed by the Federal Policy for the Protection of Human Research Subjects. The act is set to take effect on January 1, 2025.